Mortgage Delinquency Across the U.S.

How to read this page

The map compares the latest CFPB early mortgage delinquency indicator across states and selected local geographies.

A darker state means a larger share of mortgages in that geography were one or two payments late in the current source period. The indicator describes payment timing, not how often the source publishes the data.

The chart section adds historical context, so the state map is not read in isolation. It shows how the selected geography has moved alongside national mortgage-rate, unemployment, and inflation context.

Why this indicator matters

Mortgage payments are one of the largest fixed obligations in many household budgets. Early delinquency can therefore be a useful repayment-pressure signal when income changes, local housing costs, insurance, taxes, or other debts compete for the same monthly cash flow.

State differences often reflect a mix of housing costs, borrower mix, employment patterns, insurance exposure, reporting timing, and local budget pressure. The page is meant to make those differences easier to compare and explain.